finPhlo is the finance platform for commodity traders. It takes your actual trades, stock and receivables and gives your finance team a live cash forecast, FX exposure by currency, headroom across every facility and the real margin on every deal. No more rebuilding it in spreadsheets.
For most commodity traders, the cash forecast lives in one file, FX exposure in another and facility limits in a third. A cargo slips, a price fixes or a buyer pays late, and the numbers catch up days later. For the CFO, finance director or treasurer, that means:
finPhlo replaces them with one live finance view built from the deals, so your team spends its time deciding, not compiling.
Illustration
What a commodity trader CFO needs to manage cash, FX, facilities and reporting, kept current as each trade moves.
A cash forecast that comes from the deals, not a model kept by hand. Contracted, expected and projected layers, so you know whether you can fund the next shipment.
Net FX exposure by currency, trade and maturity. Link each forward to the trade it covers and see when a slipped shipment leaves a hedge unmatched.
Every facility, drawdown and repayment in one view, across all your banks. See utilisation and covenant headroom before you draw, not after.
P&L per trade, commodity and counterparty. Lender and board reports produced from live data, so nobody rebuilds them by hand.
Whatever your banks lend against, finPhlo links each drawdown to the order, stock or invoice behind it. Phlo is a software company, not a lender: your facilities stay with your banks.
Drawdowns linked to purchase orders.
Tracked until the buyer pays.
Each invoice mapped to its drawdown.
Stock valued for collateral cover.
Receipts linked to the lending against them.
Drawn short, repaid from the next inflow.
Before you commit capital, model the full economics of a deal: cost of supply, FX and funding cost, logistics and incoterms, and the margin that is left. Mark it feasible, then push the draft order straight into opsPhlo.
Model it, mark it feasible, then push the draft order into opsPhlo.
Traders use finPhlo to plan and manage the finance behind their trades. Trade finance funds and lenders use it to originate, fund and administer deals, with fund and NAV management, investor onboarding and a lender portal.
finPhlo sits on top of your existing systems. Your ledger and your banks stay where they are.
Trades flow in as they are booked. No double entry.
Your ledger stays put. finPhlo connects by API or file import.
Balances and transactions from your bank statements, with direct bank connectivity in development.
Commodity and FX prices for mark-to-market and collateral value.
Not on opsPhlo? Trade data comes in from your ERP by API.
Give each lender a scoped view of its own facility and reporting.
Pricing on request. Existing opsPhlo customers get preferred rates.
For traders getting financial visibility.
For growing operations with multiple facilities.
For complex, multi-entity trading houses.
Built by the team behind opsPhlo, the trade ERP for commodity traders. Phlo Systems is ISO/IEC 27001:2022 certified.
Book a 30-minute walkthrough. We take a trade shaped like yours from feasibility, through execution in opsPhlo, to the cash, FX and facility view.